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> Is trading one's labour for capital not enough?

No? I believe folks in a modern, developed-world society have slightly more obligation to their fellow citizens than that. Some people can't labor, so we have things like SCHIP (kids), SSDI (disabled), etc.

> Would you characterize the auto insurance market in those locales as similarly coercive?

The US focus on private cars is problematic, but the choice to move somewhere with better public transport or closer to a job is generally available (if potentially difficult).




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